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Manchester Specialty Programs, Inc.

Non-owned and Hired Auto Insurance Coverage will protect you from lawsuits brought against you from the actions of your employees while driving their vehicles in the scope of their business duties. Many home health care agencies allow caregivers to transport their clients in the caregiver’s vehicle. In other cases, healthcare professionals, such as a physical therapist or home health aide, use their own vehicles to travel to assist people in the home. There are even the routine work-related tasks that need to get done such as picking up office supplies or going to the bank to deposit checks.

In each case, there is a certain amount of risk for agencies and organizations when employees use their own vehicles. The personal auto insurance of the employee should be “primary” to respond to a loss; the entity/business itself should also carry adequate non-owned and hired auto liability limits. For example, an employee’s personal auto policy may no longer be in force or the coverage may not be adequate enough in the event of a serious incident. The injured party will then look to the employer of the individual care provider. Without the proper business auto coverage, a home healthcare agency or hospice organization could be looking at significant costs.

Non-Owned and Hired Auto Coverage Steps In

Non-Owned and Hired Auto (NOHA) insurance as part of our professional & general liability policy provides the protection needed in the event a health care worker is in an automobile accident with his or her own vehicle when conducting work-related business and the personal auto coverage falls short.

Non-owned and hired auto liability insurance covers claims against a business if an employee has an accident while using their own (or rented) vehicle for business purposes.

This optional upgrade adds separate NOHA coverage limits as part of the business policy.

Defense costs can be included in the coverage, and the policy will cover a business to the extent it is liable for the actions of an employee (full time or part time) when driving a vehicle for business purposes.

This is a key coverage for the home health care industry, where care providers travel from location to location to provide care in the course of their day. Be sure that an organization is covered adequately with non-owned and hired auto coverage (not intended to cover the employee).

*Please note that this information is provided as a general overview only for agents, brokers and health care businesses. Actual coverage may vary and is subject to the actual policy language as issued. Eligibility and pricing is based on each individual risk.

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To find out more about our specialty insurance programs, please give us a call at 855-972-9399 or simply complete and submit the form on this page. We work exclusively with local and national independent insurance brokers. If you already have a broker, we would be happy to speak with them. (A key advantage to our program is that you can work with us through your own local insurance representative.) If a broker or agent doesn’t currently represent you, we’ll put you in touch with an insurance representative in your area.